Is this Card for personal use?

* Subject to approval. The preferred rate for purchases is 19.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 23.99% and/or 26.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.

1. Account must be in good standing. To qualify for the 10,000 Bonus Starpoints, you must have at least $1,000 in net purchases posted to your account on or before your three month anniversary date.

2. Three nights are based on one mid-week night and two weekend nights in a standard room at a Category 2 property. One night is based on one weekend night in a standard room at a Category 4 property. Starpoints required for a free night range from 2,000 Starpoints for a weekend night in a standard room at a Category 1 property to 35,000 Starpoints for any night in a standard room at Category 7 properties. Category 7 properties that are all suites or villas require higher Starpoints redemption. For complete information on reward stays or the number of Starpoints required for a stay, please see www.SPG.com. Subject to Change. Starwood may change the Category in which a specific SPG participating hotel is classified at any time. The amount of Starpoints required to obtain rooms at SPG participating hotels varies by category of the SPG participating hotel and may also vary by time of year.

3. Account must be in good standing. Starpoints will be earned on the amount of all eligible purchases, less credits and returns. Funds advances, interest, Amex cheques, balance transfers, annual fees (if applicable), other fees, and charges for travellers cheques and foreign currencies are not purchases and do not qualify for Starpoints.

4. Each year if, before the annual reset date, you reach $30,000 in net purchases charged to your account you will earn Gold Preferred Guest level of the Starwood Preferred Guest program for a minimum of 1 year (unless you are already enrolled at that or a higher level). Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Subject to terms and conditions at www.SPG.com. If you already have Gold Preferred or Platinum Preferred status with Starwood Preferred Guest, you will retain that status as long as you meet the requirements specified in the Starwood Preferred Guest terms and conditions.

5. Each year if, before the annual reset date, you reach $40,000 in net purchases charged to your account you will earn a Free Weekend Night Award redeemable within 1 year for an available single or double occupancy standard room at a participating Starwood Category 1-4 property for one Friday, Saturday or Sunday night. Account must be in good standing. On the annual reset date, the amount of annual net purchases resets to zero. Additional terms apply.

6. Free night awards apply to standard rooms only as defined by each participating property; contact the property before booking to check availability. To view the full terms and conditions, visit www.SPG.com.

7. Ticket Price includes Taxes & Fees. Other fees may apply. To view the full terms and conditions, visit www.SPG.com.

8. Program Partners, prices and savings are subject to change without notice. Certain terms and restrictions apply. To receive savings with a partner, you must charge your eligible purchases to your Starwood Preferred Guest Business Credit Card (in accordance with the terms and conditions applicable to that partner). Some Savings Program partners may require you to establish a customer account with them, in which they will record your Card information, in order to provide the discounts.

9. Purchase must be charged in full to an American Express Card issued by Amex Bank of Canada. Subject to availability and to event and ticketing agent terms, conditions and fees. Not all seats are available. All sales are final. No refunds. No exchanges.

10. Underwritten by AIG Insurance Company of Canada.

11. Employee Card Misuse Protection is not insurance. It is a benefit made available to you by Amex Bank of Canada and Administered by Royal & Sun Alliance Insurance Company of Canada. Please read the terms and conditions of Employee Card Misuse Protection carefully, as they include specific terms, limitations, conditions and exclusions that may affect your coverage.

12. Basic and Supplementary Card annual fees may be tax deductible in Canada, if used solely for business purposes; please consult your tax professional.

† All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.